How much is the down payment for the first house? Calculation method of down payment proportion for the first house
The down payment for the first house is stipulated by the state, but each region is different, and everyone's loan situation is different, so the down payment is also different. However, the down payment for the first house is better than that, but it still needs to calculate a number of money. Let's look at the down payment calculation method with the editor.
How is the down payment for the first suite stipulated
There is no fixed provision for the down payment ratio of the first house. Each region implements the down payment ratio of the first house according to different actual conditions, so it is a difficulty to master the down payment ratio of the first house.
1. First suite commercial loan. If you buy a house for the first time, you can borrow 70% of the assessed price of the house. For example, if the market price of a house is 2 million and the evaluation price is 1.8 million, 70% of the 1.8 million can be borrowed, that is 1.26 million. The remaining 2 million-1.26 million = 740000 is used as the down payment), and the interest rate is discounted (85% of the benchmark interest rate); Commercial loans recognize both houses and loans: it depends on whether there is real estate under the family name and whether there has been a loan record before. Even if the property has been sold or the mortgage has been paid off, it is a record.
2. Provident fund loan for the first house. If it is the first time to buy a house, you can borrow 80% of the house evaluation price (within 90 square meters, 70% over 90 square meters). According to the adjustment, at present, in cities, the first house purchase can only be loaned to 75%. If there is no rating for the provident fund, it can only be loaned to 800000, but it depends on the amount and proportion of the provident fund.
Calculation method of down payment proportion of first house
1. Calculation of down payment ratio for the first house according to the news jointly released by the Central Bank of China and the CBRC on February 2, 2016: in cities where housing purchase restriction measures are not implemented, when households purchase commercial personal housing loans for personal ordinary housing for the first time, in principle, the down payment ratio of housing is 25%, which can fluctuate downward by 5 percentage points, The down payment proportion of families who buy second homes and have not settled the loan shall not be less than 30%.
2. First down payment = total house payment - customer loan amount. First set of loan amount = contract price (market price) & times; 80% (up to 80% of the first loan)
3. At present, no new policy has been announced for the down payment of the first house. The previous down payment ratio is still 30% of the house price. There are different treatment methods according to different situations. Some real estate developers even launched special house purchase discounts. Therefore, the calculation of the down payment of the first house will vary from person to person.
When we follow Xiaobian's down payment rules for the first suite? We have learned about the calculation method of the down payment ratio of the first house. We already know that there are many factors affecting the down payment of the original loan. The down payment ratio of the first house is different from that of the second house, and the down payment ratio of provident fund loan and commercial loan is also different. Therefore, we should understand these problems and carefully study the above knowledge.